Maya Bank is positioning itself as a disruptive force in Philippine digital banking — but is their home loan rate actually the best you can get? Nook compares Maya Bank and 10+ other lenders so you find your lowest rate for free.
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Why this matters
Maya Bank has built a reputation as one of the Philippines' most innovative digital banks, and their push into home loan products is a natural extension of that ambition. For borrowers who already use Maya for everyday banking, the appeal of consolidating your finances — including your mortgage — under one digital roof is real. But convenience alone is rarely a good reason to lock yourself into a 20-year loan. If your current home loan is sitting at 8% or higher, you could be overpaying by tens of thousands of pesos every single year, regardless of whether you refinance to Maya Bank or another lender entirely.
That's exactly where Nook comes in. Rather than applying to Maya Bank directly and hoping for the best, Nook submits your profile to over 10 Philippine banks and lenders simultaneously — including traditional banks like BPI and Security Bank alongside newer digital players — and surfaces the lowest rate you actually qualify for. The best refinance rate currently available through Nook is 5.99% p.a., which is significantly lower than the 7–10% range most homeowners are still paying today. You can check current mortgage interest rates in the Philippines to see how your existing rate compares before you decide.
Nook's service is 100% free to borrowers. There are no broker fees, no hidden charges, and no obligation to proceed once you see your options. Whether Maya Bank turns out to be your best match or another lender offers a sharper rate, you'll have the full picture before committing to anything. For most homeowners with a ₱3,000,000 loan balance and 20 years remaining, switching from 8.50% to 5.99% means saving over ₱3,000 every month — money that stays in your pocket rather than going to interest.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
Maya Bank is actively expanding its lending products in the Philippines, but home loan availability and terms can change quickly as the bank grows. Nook monitors lending offers from Maya Bank and 10+ other lenders in real time, so we can tell you exactly what's available and whether Maya Bank is a competitive option for your specific situation when you apply.
Digital banks like Maya typically offer a faster, more app-driven application experience compared to traditional banks like BDO or Metrobank, which often require in-branch visits. The trade-off can sometimes be stricter income documentation requirements or a narrower range of eligible property types. Nook will match you with the lender whose process and requirements best fit your profile.
The best refinance rate currently available through Nook is 5.99% per annum. This is significantly lower than the 7–10% range most Filipino homeowners are currently paying on their existing home loans. You can view a full breakdown of today's mortgage interest rates in the Philippines to compare.
Nook's service is completely free for borrowers — there are no broker fees, application fees, or charges of any kind from Nook's side. Nook is compensated by the bank or lender once your loan is successfully processed, which means your interests and Nook's interests are fully aligned: we only succeed when you get the best deal.
Standard requirements typically include a valid government ID, proof of income (payslips or ITR for employed borrowers, financial statements for self-employed), your existing loan's latest statement of account, and the property's Transfer Certificate of Title (TCT). Requirements can vary slightly by lender, so Nook will guide you on exactly what each bank needs once we identify your best match.
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